Fort Walton Beach, FL Used Cars Under $40,000 |with Payments|

2024 Hyundai PALISADE Calligraphy

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This low mileage used 2024 Hyundai PALISADE Calligraphy AWD SUV under 47,000 miles, automatic transmission, and 24 MPG, 3.8L gas engine is for sale right now under $39K at Hampton Hyundai in Fort Walton Beach, FL. ...View More Details

Sales Price:	$38,800
Est. Payment:	$749.10 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	46,791
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$38,800.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,302.32
Avg. DMV Fee	363.00
Cash Sale Price	$43,777.32
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$43,777.32
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$749.10

(1) Car Loan calculations are based on the used car dealer's advertised price of $38,800.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Loan Interest rate of 7.13% APR and 72 month car loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2023 Ford Bronco Black Diamond

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This low mileage second hand 2023 Ford Bronco Black Diamond 4x4 SUV under 43,000 miles, transmission, and 24 MPG, 2.3L gas engine is for sale right now below $40K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$39,998
Est. Payment:	$771.85 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	42,837
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$39,998.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,434.10
Avg. DMV Fee	363.00
Cash Sale Price	$45,107.10
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$45,107.10
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$771.85

(1) Car Loan calculations are based on the used car dealer's advertised price of $39,998.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Loan Interest rate of 7.13% APR and 72 month car loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2023 Chevrolet Colorado Trail Boss

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This low mileage preowned 2023 Chevrolet Colorado Trail Boss 4x4 pickup below 52,000 miles, automatic transmission, and 24 MPG, 2.7L gas engine is for sale right now under $36K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$35,999
Est. Payment:	$746.69 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	52,206
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$35,999.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	3,994.21
Avg. DMV Fee	363.00
Cash Sale Price	$40,668.21
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$40,668.21
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Loan Payment	$746.69

(1) Car Loan calculations are based on the used car dealer's advertised price of $35,999.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Loan Interest rate of 7.13% APR and 66 month car loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2025 GMC Canyon Elevation

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This low mileage used 2025 GMC Canyon Elevation RWD pickup under 13,000 miles, automatic transmission, and 24 MPG, 2.7L gas engine is for sale right now below $40K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$39,998
Est. Payment:	$771.85 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	13,492
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$39,998.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,434.10
Avg. DMV Fee	363.00
Cash Sale Price	$45,107.10
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$45,107.10
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$771.85

(1) Car Finance calculations are based on the used car dealer's advertised price of $39,998.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Finance down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Finance Interest rate of 7.13% APR and 72 month car finance term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2025 Ford Bronco Big Bend

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This low mileage used 2025 Ford Bronco Big Bend 4x4 SUV under 18,000 miles, transmission, and 24 MPG, 2.3L gas engine is for sale right now under $40K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$39,688
Est. Payment:	$765.96 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	17,845
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$39,688.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,400.00
Avg. DMV Fee	363.00
Cash Sale Price	$44,763.00
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$44,763.00
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$765.96

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,688.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Auto Loan Interest rate of 7.13% APR and 72 month auto loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2023 Ford F-150 XL

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This low mileage preowned 2023 Ford F-150 XL RWD pickup below 23,000 miles, automatic transmission, and 24 MPG, 2.7L gas engine is for sale right now below $40K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$39,497
Est. Payment:	$762.33 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,501
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$39,497.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,378.99
Avg. DMV Fee	363.00
Cash Sale Price	$44,550.99
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$44,550.99
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$762.33

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,497.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Auto Loan Interest rate of 7.13% APR and 72 month auto loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2020 Ford F-150 XL

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This below average mileage used 2020 Ford F-150 XL RWD pickup under 62,000 miles, automatic transmission, and 24 MPG, 3.5L gas engine is for sale right now below $36K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$35,488
Est. Payment:	$796.51 / 60 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	61,982
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$35,488.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	3,938.00
Avg. DMV Fee	363.00
Cash Sale Price	$40,101.00
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$40,101.00
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	60
Auto Finance Payment	$796.51

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,488.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto Finance down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Auto Finance Interest rate of 7.13% APR and 60 month auto finance term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2022 Ford Ranger XL

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This low mileage second hand 2022 Ford Ranger XL RWD pickup under 19,000 miles, automatic transmission, and 24 MPG, 2.3L gas engine is for sale right now below $37K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$36,488
Est. Payment:	$705.18 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	18,670
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$36,488.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,048.00
Avg. DMV Fee	363.00
Cash Sale Price	$41,211.00
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$41,211.00
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$705.18

(1) Car Finance calculations are based on the used car dealer's advertised price of $36,488.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Finance down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Finance Interest rate of 7.13% APR and 72 month car finance term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2024 Chevrolet Silverado 1500 LT

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This above average mileage preowned 2024 Chevrolet Silverado 1500 LT 4x4 pickup under 97,000 miles, automatic transmission, and 24 MPG, 5.3L gas engine is for sale right now below $38K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$37,999
Est. Payment:	$1156.87 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	97,278
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$37,999.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,214.21
Avg. DMV Fee	363.00
Cash Sale Price	$42,888.21
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$42,888.21
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Car Loan Payment	$1156.87

(1) Car Loan calculations are based on the used car dealer's advertised price of $37,999.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Loan Interest rate of 7.13% APR and 42 month car loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2021 Ford F-150 XL

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This above average mileage used 2021 Ford F-150 XL 4x4 pickup under 95,000 miles, automatic transmission, and 24 MPG, 3.5L hybrid engine is for sale right now under $40K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$39,999
Est. Payment:	$1216.75 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	95,233
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$39,999.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,434.21
Avg. DMV Fee	363.00
Cash Sale Price	$45,108.21
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$45,108.21
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Auto Loan Payment	$1216.75

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,999.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Auto Loan Interest rate of 7.13% APR and 42 month auto loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

Used Cars under $40,000 for Sale in Fort Walton Beach, FL

Fort Walton Beach, FL Secondhand Used Vehicles Priced Below $40,000

2024 Hyundai PALISADE Calligraphy

2023 Ford Bronco Black Diamond

2023 Chevrolet Colorado Trail Boss

2025 GMC Canyon Elevation

2025 Ford Bronco Big Bend

2023 Ford F-150 XL

2020 Ford F-150 XL

2022 Ford Ranger XL

2024 Chevrolet Silverado 1500 LT

2021 Ford F-150 XL

Used Cars under $40,000 for Sale in Fort Walton Beach, FL

Fort Walton Beach, FL Secondhand Used Vehicles Priced Below $40,000

2024 Hyundai PALISADE Calligraphy

Hyundai PALISADE Calligraphy

2024 Hyundai PALISADE Calligraphy Car Loan Estimate

2023 Ford Bronco Black Diamond

Ford Bronco Black Diamond

2023 Ford Bronco Black Diamond Car Loan Estimate

2023 Chevrolet Colorado Trail Boss

Chevrolet Colorado Trail Boss

2023 Chevrolet Colorado Trail Boss Car Loan Estimate

2025 GMC Canyon Elevation

GMC Canyon Elevation

2025 GMC Canyon Elevation Car Loan Estimate

2025 Ford Bronco Big Bend

Ford Bronco Big Bend

2025 Ford Bronco Big Bend Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2020 Ford F-150 XL

Ford F-150 XL

2020 Ford F-150 XL Car Loan Estimate

2022 Ford Ranger XL

Ford Ranger XL

2022 Ford Ranger XL Car Loan Estimate

2024 Chevrolet Silverado 1500 LT

Chevrolet Silverado 1500 LT

2024 Chevrolet Silverado 1500 LT Car Loan Estimate

2021 Ford F-150 XL

Ford F-150 XL

2021 Ford F-150 XL Car Loan Estimate

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